| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 NORTH CLARK ST. CHICAGO, IL 60654 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $47K | $5K | $52K | 2.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $44K | — | $44K | 1.94% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK ST STE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 4.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 2.99% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE SERVICES INC | 353 NORTH CLARK ST 11TH FLOOR CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 5.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 4.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL MIDWEST LIMITED RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $850 | — | $850 | 5.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | EYEMED VISION CARE | $594 | — | $594 | 3.77% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK ST. #400 CHICAGO, IL 60654 | EYEMED VISION CARE | $301 | — | $301 | 1.91% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 298 | $2.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 198 | $81K |
| Vision | EYEMED VISION CARE | 263 | $16K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 249 | $261K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 249 | $261K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 249 | $261K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 249 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.